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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,809 | $157,304-72.8% | $141,197-69.7% | $152,909-72.0% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 11.07% | 64.34%-53.3pp | 71.41%-60.3pp | 345.46%-334.4pp |
| Employer contribution / active EE | $0 | $5,263-100.0% | $4,736-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $4,200 | $7,111-40.9% | $6,710-37.4% | $5,851-28.2% |
| Admin fee / account holder | $288,088 | $12,126+2275.8% | $10,265+2706.6% | $11,601+2383.4% |